Call reports 2010
WEST ONE BANK — 2010
What WEST ONE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 60,393,000 | 60,589,000 | 51,266,000 | 48,496,000 |
| Total loans | 46,097,000 | 43,123,000 | 39,520,000 | 37,109,000 |
| Allowance for loan losses | 1,278,000 | 1,021,000 | 1,201,000 | 1,134,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,361,000 | 45,743,000 | 37,386,000 | 35,835,000 |
| Interest-bearing deposits | 41,681,000 | 41,840,000 | 33,650,000 | 32,217,000 |
| Noninterest-bearing deposits | 3,680,000 | 3,903,000 | 3,736,000 | 3,618,000 |
| Equity capital | 6,329,000 | 6,411,000 | 6,261,000 | 6,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 829,000 | 1,646,000 | 2,417,000 | 3,109,000 |
| Interest expense | 298,000 | 603,000 | 885,000 | 1,120,000 |
| Net interest income | 531,000 | 1,043,000 | 1,532,000 | 1,989,000 |
| Noninterest income | 61,000 | 128,000 | 151,000 | 185,000 |
| Noninterest expense | 444,000 | 849,000 | 1,214,000 | 1,588,000 |
| Provision for loan losses | 320,000 | 500,000 | 850,000 | 1,224,000 |
| Pretax income | -172,000 | -178,000 | -381,000 | -638,000 |
| Income tax | 9,000 | -80,000 | -132,000 | -250,000 |
| Net income | -181,000 | -98,000 | -249,000 | -388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,329,000 | 6,411,000 | 6,261,000 | 6,122,000 |
| Total capital | 7,038,000 | 7,076,000 | 6,781,000 | 6,264,000 |
| Risk-weighted assets | 56,155,000 | 53,506,000 | 40,977,000 | 37,157,000 |